Our specialised corporate broker services incorporates structured insurance solutions including risk financing, risk retention analysis, risk management solutions and structuring. Our goal is to integrate risk management protocols into our client’s Corporate Governance Policy, thereby minimising potential unidentified losses and protecting against potential identifiable losses.

We strive to build long term partnerships with an agreed insurance plan for our client’s that will ultimately improve their “bottom line”

Small to Medium Business

We offer sound professional insurance broking advice and personalised service. Santova Financial Services is passionate about remaining service driven and therefore provides a portfolio management team, who will ensure that there is always someone who can assist you with your query, claim or changes to your policy.

Included in Our Areas of Expertise

Administrative Sector – Insurance Brokers, Lawyers, Accountants
Manufacturing Sector – Textile, Printing, Woodworking, Engineering, Motor
Transport Sector – Freight, Export, Import, Distributors
Farming Sector – Growers, Cattle, Distillers, Packers


We are able to provide Goods in Transit insurance for transport companies, Stock Throughput insurance designed for companies that import, distribute, or export merchandise.


Financial Facilities for this Industry

  • Performance Guarantees
  • Retention Guarantees
  • Bid Bonds
  • Advanced Payment Guarantees
  • Temporary Import Guarantees

Construction Liability

  • Piling Guarantee Liability
  • Surrounding Property Liability
  • Contract Works Liability

Contract Works

Insurance for builders and other tradesmen, designed to cover work that is underway on a site. It can pay to repair or redo the work that is in progress if it is damaged by an insured event like fire, flood, storm, vandalism or theft.  Useful for anyone who works in the construction industry and needs to insure work in progress.

Plant All Risks

Cover for loss of, and damage to, plant and equipment, whether you own it or it’s hired-in. Public liability for plant all risks covers losses and damages caused by plants and equipment insured under plant all risks.



We are able to offer various bonds, which include but are not limited to:

  • Surety Bonds
  • Customs and Excise General Bonds
  • Customs and Excise Rebate Bonds
  • Excise Rebate Bonds
  • Warehouse Bonds
  • Bonds for goods in Bonded Stores
  • Deferred Duty and VAT Guarantees

Depending on the product selected, the benefits are the following:

  • Frees up liquidity.
  • Does not compromise bank overdraft facilities.
  • No collateral security required.
  • Straight forward solution with minimal administration.

Credit Insurance

Credit insurance protects your debtor’s book thereby reducing business trade risks and improving cash flow. Depending on the product selected, the benefits are the following:

  • Provides both Export and Domestic credit insurance cover under one policy.
  • You are covered for both insolvency and protracted default.
  • The policy can be extended to include pre-shipment cover.
  • The insured’s participation percentage can be negotiated up to 90%.
  • Simple, low administration declaration procedure.
  • A substantial maximum liability.
  • No commitment fee.
  • Annual policy with no adjustment to policy terms during the policy period.


Santova Financial Services are happy to discuss any of your insurance requirements.